XYF
X FinancialXYF
XYF
About: X Financial is a Cayman Islands-based technology-driven personal finance company. Along with its subsidiaries, the firm provides diversified investment opportunities to investors in China through its wealth management platform, Xiaoying Wealth Management. Loan products offered by the company include Xiaoying Card Loan, Xiaoying Preferred Loan, and Xiaoying Housing Loan. The company generates revenue from loan facilitation service, post-origination service, and guarantee services provided.
Employees: 563
0
Funds holding %
of 7,296 funds
–
Analysts bullish %
Fund manager confidence
Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)
216% more capital invested
Capital invested by funds: $4.18M [Q4 2024] → $13.2M (+$9.02M) [Q1 2025]
200% more first-time investments, than exits
New positions opened: 9 | Existing positions closed: 3
67% more repeat investments, than reductions
Existing positions increased: 5 | Existing positions reduced: 3
43% more funds holding
Funds holding: 14 [Q4 2024] → 20 (+6) [Q1 2025]
0.22% more ownership
Funds ownership: 0.27% [Q4 2024] → 0.49% (+0.22%) [Q1 2025]
Research analyst outlook
We haven’t received any recent analyst ratings for XYF.
Financial journalist opinion
Based on 3 articles about XYF published over the past 30 days
Positive
Seeking Alpha
1 week ago
X Financial: Stock Quadruples In 12 Months, Still An Asymmetric Bet
X Financial offers an asymmetric upside, with strong growth, stable asset quality, and a capital-light model. The Chinese government stimulus and a shift to consumption-led growth should further boost XYF's end market and revenue trajectory. XYF trades at a compelling 0.8x P/B with a 24% ROE, yielding an attractive 30%—far above peers and sector averages.
Neutral
Seeking Alpha
3 weeks ago
X Financial (XYF) Q1 2025 Earnings Call Transcript
X Financial (NYSE:XYF ) Q1 2025 Earnings Conference Call May 20, 2025 7:30 AM ET Company Participants Victoria Yu - IR Kent Li - President Noah Kauffman - Chief Financial Strategy Officer Frank Fuya Zheng - CFO Conference Call Participants Alex Ye - UBS Operator Hello, and welcome to the X Financial First Quarter 2025 Earnings Conference Call. All participants will be in a listen-only mode.
Neutral
PRNewsWire
3 weeks ago
X Financial Reports First Quarter 2025 Unaudited Financial Results
SHENZHEN, China , May 19, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) ("X Financial", the "Company" or "we"), a leading Chinese fintech platform, today announced its unaudited financial results for the first quarter of fiscal year 2025 ended March 31, 2025. First Quarter 2025 Operational Highlights Total loan amount facilitated and originated [1] in the first quarter of 2025 was RMB35,149 million , up 63.4% from RMB21,505 million in the same period of 2024.
Neutral
PRNewsWire
1 month ago
X Financial to Report First Quarter 2025 Financial Results on May 20, 2025
SHENZHEN, China , May 15, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the first quarter ended March 31, 2025, before the open of U.S. markets on Tuesday, May 20, 2025. X Financial's management team will host an earnings conference call at 7:30 AM U.S. Eastern Time on Tuesday, May 20, 2025 (7:30 PM Beijing / Hong Kong Time on the same day).
Neutral
PRNewsWire
1 month ago
X Financial Files Annual Report on Form 20-F for Fiscal Year 2024
SHENZHEN, China , April 25, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced it filed its annual report on Form 20-F for the fiscal year ended December 31, 2024 with the Securities and Exchange Commission ("SEC") on April 25, 2025. The annual report can be accessed on the Company's investor relations website at https://ir.xiaoyinggroup.com as well as the SEC's website at https://www.sec.gov.
Neutral
Seeking Alpha
2 months ago
X Financial (XYF) Q4 2024 Earnings Call Transcript
X Financial (NYSE:XYF ) Q4 2024 Earnings Conference Call March 20, 2025 7:00 AM ET Company Participants Victoria Yu – Investor Relations Manager Kent Li – President Frank Fuya Zheng – Chief Financial Officer Noah Kauffman – Lead-U.S. Capital Markets, Investor Relations and Strategic Financing Initiatives Conference Call Participants Mason Bourne – AWH Capital Operator Hello, and welcome to the X Financial Fourth Quarter 2024 Earnings Conference Call. All participants will be in listen-only mode.
Neutral
PRNewsWire
2 months ago
X Financial Reports Fourth Quarter and Fiscal Year 2024 Unaudited Financial Results
SHENZHEN, China , March 19, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2024. Fourth Quarter and Fiscal Year 2024 Operational Highlights Three Months Ended December31, 202 3 Three Months Ended September 30, 202 4 Three Months Ended December 31, 202 4 Twelve MonthsEnded December 31, 202 3 Twelve MonthsEnded December 31, 202 4 QoQ YoY YoY Total loan amount facilitated and originated (RMB in million) 26,134 28,338 32,297 14.0 % 23.6 % 105,557 104,889 (0.6 %) Number of active borrowers 1,603,760 1,965,248 2,120,068 7.9 % 32.2 % 4,495,997 5,231,887 16.4 % The total loan amount facilitated and originated[1] in the fourth quarter of 2024 was RMB32,297 million, compared with RMB26,134 million in the same period of 2023.
Neutral
PRNewsWire
2 months ago
X Financial to Report Fourth Quarter and Fiscal Year 2024 Financial Results on March 20, 2025
SHENZHEN, China , March 18, 2025 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company"), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2024, before the open of U.S. markets on Thursday, March 20, 2025. X Financial's management team will host an earnings conference call at 7:00 AM U.S. Eastern Time on Thursday, March 20, 2025 (7:00 PM Beijing / Hong Kong Time on the same day).
Neutral
Seeking Alpha
3 months ago
X Financial: Why The Trip Upwards Is Likely Not Over
XYF has appreciated thanks to the stock moving higher since last September, but the rally has lost steam, which raises the question if it is time to get out. The charts suggest the recent stalling in the stock is temporary, but there are a number of other reasons why remaining bullish on XYF is warranted. The stock is not without risk since there is one scenario to be on the lookout for, which has the potential to invalidate long XYF.
Neutral
PRNewsWire
5 months ago
X Financial Announces US$48.7 Million Share Repurchase from Major Shareholder
SHENZHEN, China , Dec. 19, 2024 /PRNewswire/ -- X Financial (NYSE: XYF) (the "Company" or "we"), a leading online personal finance company in China, today announced that it has entered into a repurchase agreement with a major shareholder on December 16, 2024, pursuant to which the Company will repurchase 6,349,206 American depositary shares ("ADSs"), representing 38,095,236 Class A ordinary shares of the Company, at a price of US$7.67 per ADS with a total repurchase price of approximately US$48.7 million (the "Repurchase"). In order to complete the Repurchase, the Company's board of directors (the "Board") approved a new share repurchase plan under which the Company may repurchase up to US$50 million worth of its Class A ordinary shares, including the Class A ordinary shares represented by ADSs, effective until June 30, 2026.
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